A creditor keeps calling and sending mail that I owe them a delinquent credit card balance. This account has never shown on my credit reports nor could I have opened an "elite" card a year after I had defaulted on 4 credit cards. I keep telling them it is not my account, and they simply say it is. I asked if possibly I was added as an authorized user. They said “no”. According to them, I was the only name on the account. How can I prove this delinquent credit card balance is not for my account if all they have to say is "yes it is?"
If you know for a fact that you did not open the account, you can file an Identity Theft Report with the police. I would also fill out the ID theft form located on the Federal Trade Commission’s website.
Updated on September 11, 2019
By Katie Wheat